Finance Calculators

Estimate monthly mortgage payments, total interest, and amortization.

Calculate your Equated Monthly Instalment instantly. See your monthly EMI, total interest, principal-vs-interest pie chart, and a full yearly amortisation schedule.

Monthly payment, total interest, and full amortization, with an extra-payment simulator.

Real car payment with sales tax, trade-in credit, fees, and full amortization.

Calculate your 2026 OBBBA car loan interest deduction — up to $10,000/year, available to itemizers and non-itemizers alike, with the real MAGI phase-out and new/US-assembly/first-lien eligibility checks.

Simple vs compound interest, side-by-side, with year-by-year growth.

Fixed-rate monthly loan payment from amount, APR, and term, instantly.

Project your nest egg, real value after inflation, and 4%-rule monthly income.

Full month-by-month loan schedule with principal, interest, and balance for every payment.

Solve for any of future value, starting amount, monthly contribution, rate, or years.

Convert any U.S. dollar amount between any two years (1913–today) using BLS CPI-U data.

Five-way Time Value of Money solver: pin any four of PV, FV, PMT, Rate, N and get the fifth.

U.S. federal tax with 2026 brackets, all filing statuses, and bracket-by-bracket math.

See your 2026 SALT deduction cap — raised to $40,400, with the real phase-out above $505,000 MAGI and the $10,000 floor.

Compute your 2026 above-the-line charitable deduction (IRC §170(p)) for standard-deduction filers — the $1,000/$2,000 cap, the donor-advised-fund exclusion, and how it differs from the itemizer's new 0.5%-of-AGI floor.

Calculate your quarterly estimated tax payments — self-employment tax, federal income tax, and the IRS safe-harbor rule, with 2026 due dates.

Calculate your 2026 ACA Marketplace premium tax credit using the exact IRS Rev. Proc. 2025-25 applicable-percentage table — your FPL %, your household's own 400% cliff in dollars, and the 2026 repayment-cap removal.

See your 2026 HSA contribution limit ($4,400 self-only / $8,750 family), whether a Bronze/Catastrophic plan or Direct Primary Care arrangement now makes you eligible, and the last-month rule's real 13-month testing-period risk.

See your RSU vest value, flat 22%/37% federal withholding, real marginal tax rate, and the withholding gap most recipients don't discover until April.

Estimate your federal income tax refund or balance due based on your W-2 income, withholding, and filing details.

See savings grow with compounding and recurring contributions.

Calculate the future value of a Systematic Investment Plan (SIP) using monthly compounding, with a year-by-year growth breakdown and invested-vs-returns chart.

Convert pay between hourly, weekly, biweekly, monthly, and annual.

Back-solve the APR of a loan from principal, monthly payment, and term, with a 1-point comparison card.

Add or back out U.S. sales tax: by state, rate, or receipt total.

Add or remove California's 7.25% state sales tax — the highest base rate in the U.S. — from any price instantly.

Add or remove Texas's 6.25% state sales tax — capped at 8.25% combined statewide — from any price instantly.

Add or remove Florida's 6% state sales tax from any price instantly, plus how county surtaxes work.

Add or remove New York's 4% state sales tax from any price instantly — plus how NYC's combined rate reaches 8.875%.

Add or remove Washington's 6.5% state sales tax from any price instantly — no state income tax makes it carry more weight.

Split bills, calculate the right gratuity, and see total per person instantly.

Real-time currency converter for 22 global currencies: USD, EUR, GBP, JPY, ILS and more.

See exactly how much time and interest an extra monthly payment saves on your mortgage.

Project your 401(k) balance at retirement with employer match, salary raises, and compound growth.

Calculate your 2026 401(k) catch-up limits by age, and see whether SECURE 2.0's new mandatory-Roth rule applies to you — including the real risk that your catch-up drops to $0 if your plan doesn't offer Roth.

Find out how much car you can afford: three budget scenarios, max vehicle price, and total cost of ownership.

Maximum home price your income comfortably supports: 28/36 rule, DTI ratio, monthly payment.

Project long-term savings growth from an initial deposit, monthly contributions, and compound interest.

Determine an affordable monthly rent based on your income.

Compare U.S. federal tax filing married vs. single, the marriage penalty / bonus.

Estimate U.S. federal estate tax on a decedent's gross estate.

Calculate how much life insurance coverage your family actually needs using the DIME method.

Estimate federal and state taxes on lottery winnings and compare lump sum vs. annuity take-home pay.

See your real 2026 gambling tax bill under OBBBA's new 90% loss-deduction cap — the itemizing gate, the 'phantom income' problem, professional-gambler treatment, and a 2025-vs-2026 side-by-side comparison.

Estimate your annual and monthly property taxes using your state's average effective rate, with a national ranking comparison.

Calculate California property tax using the state's 0.71% average effective rate, including how Proposition 13 keeps it below the national middle despite high home values.

Calculate Texas property tax using the state's 1.60% average effective rate — one of the highest in the country, the tradeoff for having no state income tax.

Calculate Florida property tax using the state's 0.83% average effective rate, including how the Save Our Homes cap protects long-time homestead owners.

Calculate New York property tax using the state's 1.36% average effective rate, and see why NYC and upstate New York pay dramatically different effective rates.

Calculate Washington property tax using the state's 0.87% average effective rate, and see how the state's 1% levy growth limit keeps it near the national average.

Project monthly pension payouts based on years of service and final salary.

Estimate Social Security retirement benefits at full, early, and delayed retirement age.

See if your income triggers the Medicare IRMAA surcharge on Part B and Part D premiums, and by how much.

See your 2026 Medicare Part D deductible, 25% coinsurance, and exactly where the $2,100 out-of-pocket cap kicks in catastrophic coverage — plus your monthly payment under the new Medicare Prescription Payment Plan (M3P).

Calculate the future value of a fixed-rate annuity. See how regular payments and compound growth build your balance over time.

Fixed periodic income from a lump sum: monthly, quarterly, or annual, with a full year-by-year drawdown schedule.

Compare the minimum payment to a fixed monthly plan. See your payoff date and the interest you'll save.

Multi-card payoff strategy with snowball or avalanche methods.

Months to debt freedom with a fixed monthly payment.

Compare your current multiple debts against a single consolidation loan, showing monthly savings, total interest savings, and whether consolidation truly helps.

Calculate monthly repayments for a fixed loan over any term.

Monthly payment, total interest, and a year-by-year payoff plan with optional grace period.

See your exact 2026 Repayment Assistance Plan (RAP) monthly payment by AGI and dependents, the guaranteed principal-reduction floor, a 30-year payoff or forgiveness projection, and the taxable 'tax bomb' on any forgiven balance.

See your exact 2026 federal student loan borrowing caps after Grad PLUS was eliminated — $20,500/$100,000 general graduate, $50,000/$200,000 for the 11 professional-degree fields, the new $65,000 Parent PLUS cap, and the $257,500 lifetime aggregate limit.

Total cost of a college degree including tuition, room and board, and inflation.

Project your 529 college savings under two funding scenarios, see the tax-free growth advantage, and the new 2026 rules for K-12, superfunding, and unused-fund rollovers.

Project your child's Trump Account (IRC §530A) balance at 18 — the $1,000 federal seed, contributions, and a full breakdown of what's tax-free vs. taxed at 18.

Compute your 2026 adoption tax credit (IRC §23) — the $17,670 max, the new $5,120 refundable slice, the MAGI phase-out, special-needs full-credit eligibility, and how employer-provided adoption assistance nets against your qualified expenses.

Compute your 2026 Child Tax Credit (IRC §24, Schedule 8812) — the $2,200 base credit, the $1,700 refundable ACTC via the real 15%-of-earned-income formula, the non-inflation-indexed MAGI phase-out, and the new OBBBA filer/child SSN requirements.

Compare 2026 state income tax across California, New York, Texas, Florida, and Washington — CA's 9 brackets plus mental health surcharge, NY's 9 brackets plus optional NYC local tax, and the two states with $0 income tax, ranked side by side.

Compute simple (non-compound) interest on a principal over time.

Project your Certificate of Deposit's maturity value, total interest, and APY vs. nominal rate.

Convert any nominal interest rate (APR) to its true Annual Percentage Yield (APY) across all compounding frequencies: daily, monthly, quarterly, and more.

Calculate bond price from yield to maturity, or find YTM from a market price. Includes current yield, Macaulay & modified duration, total return, and full coupon schedule.

Project mutual fund growth and see the true long-run cost of your fund's expense ratio, the fee drag that compounds against you over time.

Project your Roth IRA to retirement and see the real dollar value of tax-free growth versus a taxable account or Traditional IRA.

Model the lifetime tax savings of converting a Traditional IRA to a Roth. Compare projected balances, see the break-even year, and get a personalized recommendation.

Calculate your Financial Independence (FIRE) number and your Coast FIRE number — the lump sum you need today to coast to it on growth alone.

Project your Traditional IRA balance at retirement, see your tax deduction value, estimate your Required Minimum Distribution at 73, and compare Traditional vs. Roth side-by-side.

Calculate your Required Minimum Distribution by age using the IRS Uniform Lifetime Table. Instant year-by-year projection for Traditional IRA, 401(k), and other pre-tax accounts.

See your full 2026 deduction stack — regular standard deduction, the age/blind add-on, and the new temporary OBBBA senior bonus — with the real phase-out and MFS exclusion.

Add or remove value-added tax for any country's rate.

Calculate Goods and Services Tax (GST) easily. Add or remove GST, with regional splits for India, Canada, and Australia.

Compare a dealer cash-back rebate against a low-APR financing offer and see which deal actually saves you more money.

Estimate your monthly car lease payment from MSRP, negotiated price, money factor (or APR), and residual value, with depreciation vs finance breakdown.

Calculate asset depreciation using straight-line, double declining balance, and sum-of-years' digits, with full year-by-year schedules.

Calculate the compound annual growth rate (CAGR) of an investment from its start and end value, by duration or between two dates, with total growth, absolute gain, and a year-by-year growth chart.

Arithmetic mean, geometric mean (CAGR), and volatility drag from a series of annual investment returns.

Profit margin and markup from cost and selling price.

Sale price after a percentage discount, with savings and tax.

Calculate your monthly payment, total interest, effective APR, and DSCR for any small-business or SBA loan.

Calculate your front-end and back-end DTI ratios, see which loan programs you qualify for, and find out how much monthly debt headroom you have before hitting lender limits.

Cap rate, NOI, and cash-on-cash return for an investment property.

Capitalization rate, NOI, and annual cash flow for any rental property.

Net pay after federal, state, and FICA, with a paystub-style breakdown for any US salary or hourly rate.

Calculate monthly payment, total interest, and full amortization schedule for any fixed-rate unsecured personal loan. Includes origination fee, extra-payment savings, and credit-score rate tiers.

Calculate your monthly boat loan payment, total interest, and full amortization schedule, with trade-in, sales tax, and doc fees included.

Monthly lease payment from asset cost, residual value, rate, and term, with full amortization schedule and term comparison.

Compare refinancing your mortgage against keeping the current loan. Monthly savings, exact break-even month, and net lifetime savings after closing costs.

Plan a monthly budget using the 50/30/20 rule, with fine-tune sliders for needs, wants, and savings.

Analyse any buy-and-hold rental investment: monthly cash flow, cap rate, cash-on-cash return, and a year-by-year projection of equity and total return.

Internal rate of return for an arbitrary cash-flow stream.

Total ROI, annualized CAGR, and total profit from any investment.

Calculate a stock's price-to-earnings ratio, classify its valuation vs. the S&P 500, and model implied price from a target P/E multiple.

Calculate the true financial cost of any work meeting. Live taxi-meter, cost per attendee, annualized recurring cost, and fun equivalencies.

Calculate the true APR on any loan: mortgage, auto, or personal. Includes discount points, origination fees, and all closing costs. See the rate spread and whether buying points pays off.

FHA mortgage payment with mortgage insurance premium baked in.

Calculate your VA loan monthly payment with the one-time VA funding fee, property taxes, insurance, and HOA. Supports 0% down, both service types, first vs. subsequent use, fee exemptions, and financing the funding fee into your loan.

Home equity loan payment from current home value and balance.

Home Equity Line of Credit draw, payment, and interest projection.

Down payment savings goal for a target home price.

Year-by-year wealth comparison of renting and investing vs. buying a home, with the break-even year.

How many years it takes for an investment to recover its initial cost from annual cash flows.

Present value of a future sum at a given discount rate.

Future value of money compounded at a given rate over time.

Calculate sales commission for any deal with flat or tiered bracket rates. Shows commission earned, effective rate, net proceeds, tier-by-tier breakdown, and a deal multiplier for monthly or annual projections.

UK mortgage repayment, total interest, and full upfront cost including Stamp Duty (SDLT) for first-time buyers and home movers.

Calculate your Canadian mortgage payment using the legally mandated semi-annual compounding formula, with full CMHC insurance, mortgage term vs. amortization, and accelerated payment savings.

Detailed monthly mortgage amortisation schedule with principal/interest split.

Calculate the final sale price from any percentage off, or reverse-find the original price from a sale price. Visual savings bar, multi-price reference table, and optional sales tax.

Estimate your 2026 Earned Income Tax Credit from filing status, qualifying children, earned income, and investment income — the full phase-in/plateau/phase-out calculation.

Compare the self-employed and itemizer paths for deducting long-term care insurance premiums, including 2026 age-based eligible-premium caps.

Estimate your 2026 Foreign Earned Income Exclusion, foreign housing exclusion, self-employment tax owed, and home-state tax exposure as a US expat.

Calculate cryptocurrency profit, loss, and ROI from any trade.

See your real 2026 US federal crypto tax bill — short vs. long-term capital gains, the NIIT surtax, mining/staking ordinary income, and the crypto-to-crypto swaps and per-wallet cost-basis rules most people miss.

Calculate overtime pay (×1.5), double-time (×2.0), total gross pay, and your estimated federal tax savings under the 2025 No Tax on Overtime exemption — with AGI phase-out.

Calculate your federal tax savings from the 2025 No Tax on Tips deduction — up to $25,000, with the real income phase-out.

Calculate your net worth by entering assets (cash, investments, real estate, retirement) and liabilities (mortgage, loans, credit cards). Get an instant breakdown with a visual chart and milestone tracker.

Calculate exactly how large your emergency fund should be. Enter your monthly expenses (rent, utilities, groceries, debt), choose 3–12 months, and see your savings goal with a live progress bar.

Estimate monthly child support payments using the Income Shares Model. Enter both parents' gross incomes, number of children, and custody split to get an instant estimate with a full calculation breakdown.

Estimate monthly spousal support and duration based on both spouses' gross incomes and length of marriage. Uses a standard 30%/20% formula with tiered duration guidelines.

Compare 4 realistic divorce cost scenarios — DIY, attorney-assisted, mediated, and contested — with editable assumptions for your situation.

Estimate your HECM reverse mortgage proceeds instantly — no email, no SSN. Enter home value, mortgage balance, and age to see your available lump sum and monthly tenure payout.

Calculate the true APR hidden behind a flat fee. See exactly how much a payday loan costs annually — and why it creates a debt trap.

Estimate your US federal capital gains tax on stocks, crypto, real estate, or any asset. Covers short-term and long-term rates for all four filing statuses, plus the 3.8% NIIT surcharge.

Calculate your future dividend income and portfolio growth. Compare returns with and without a Dividend Reinvestment Plan (DRIP) over time.

Compare the total cost of ownership between an electric vehicle and a gas car. Calculate annual fuel savings, the break-even year, 5- and 10-year TCO, and CO₂ reduction.

Calculate your solar panel savings, payback period, and ROI. Estimate your 20-year net savings and upfront costs after federal and state tax incentives.

Calculate the true cost of hiring an employee. See FICA, FUTA, state SUI, health insurance, 401(k) match, PTO, and overhead as a transparent line-item breakdown.

Estimate your business value using three methods: earnings multiples (SDE/EBITDA), revenue multiples, and asset-based valuation. Side-by-side comparison with an overall range.

Calculate your Monthly Recurring Revenue (MRR) and Annual Recurring Revenue (ARR). Track New, Expansion, and Churned MRR to find your Net New MRR and month-over-month growth rate.

Estimate Social Security benefits withheld when you work before full retirement age, using the 2026 and 2027 earnings limits.